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Your Form 1095-B Proof of Health Insurance

Form 1095-B
Exemptions & Resources for Undocumented Students
If You Have Questions or Need More Information

The Affordable Care Act (ACA) calls for everyone to have qualifying health care coverage (known as minimum essential coverage) for each month of the year, qualify for an exemption, or make a payment when filing his or her federal income tax return. This is called the ACA “individual mandate.”

Under the federal reporting requirement, health care plans and insurance companies must report member information (name, address, and Social Security Number (SSN) of plan members, including covered students and dependents) to the Internal Revenue Service (IRS) that can be linked to a health plan that is Certified Minimum Essential Coverage (MEC).

Form 1095-B
Form 1095-B is the new IRS health coverage form verifying you were enrolled in a healthcare plan in 2020 that qualifies as Minimum Essential Coverage (MEC) as required by the ACA. UC SHIP is a MEC-recognized healthcare plan.

The form is provided to you as proof that you meet the ACA’s “individual mandate” and should not be subject to healthcare tax penalties. Under the ACA, most U.S. citizens must have qualified healthcare coverage or pay a tax penalty.

IMPORTANT: YOU CAN ACCESS YOUR IRS FORM 1095-B ELECTRONICALLY.

Students enrolled in the University of California Student Health Insurance Plan will no longer automatically receive a paper copy of IRS Form 1095-B. Under a new law that became effective January 1, 2019, the IRS penalty for not having health coverage was reduced to zero. Therefore, individuals no longer need the information on the 1095-B form to file a federal income tax return.
 
Form 1095-B will continue to be produced for all members. You can access your Form 1095-B through your Academic HealthPlans account at myahpcare.com, no later than the IRS deadline (March 2, 2021). You will be notified when you can view and/or download and print a copy of the form, if desired. Find instructions for downloading your Form 1095-B here.

To receive a printed copy by mail, complete this AHP form to submit your request. 

Your Form 1095-B will be mailed to the address on record within 30 days of the date the request is received. If you have any questions about your Form 1095-B, contact Academic HealthPlans at 1095Bform@myahpcare.com. You can learn more about the Form 1095-B on the IRS website

What to do if you think the form has incorrect information
UC SHIP's enrollment vendor, AcademicHealth Plans (AHP), will prepare the 1095-B forms for UC SHIP members covered during the calendar year 2020. If you have any questions, contact AHP via email ucship@ahpservice.com to answer any questions you have about Proof of Your Health Insurance. 

If you don’t report an SSN to the University
The insurance company or health plan may substitute the Date of Birth for an SSN, if the SSN is not available by the filing deadline. The IRS may contact you to request your SSN if it is not included on the filing.

To access Your 1095-B From online, please take a look at the User Guide.

If you're enrolled at UC Berkeley, your student health insurance coverage is offered by your local campus and is not part of UC SHIP. Visit the UC Berkeley website for information on the 1095-B tax form:

Berkeley
University Health Services 1095-B Tax Form  

Exemptions & Resources for Undocumented Students

Most college and university students are subject to the reporting requirement.

  • If you are on your parent’s plan or your own private health plan, the Plan or insurance company providing the coverage must comply with this reporting requirement.
  • If you are covered under a fully insured student health plan through your campus, your insurance carrier is responsible to report covered members to the IRS.
  • UC SHIP is self-funded by the University and must comply with the reporting requirement.

Exemptions
Certain individuals are exempt from the requirement to obtain minimum essential coverage. They will still receive a statement of coverage but do not need to provide an SSN. To see a list of exemptions, see Question #6 here: http://www.irs.gov/Affordable-Care-Act/Individuals-and-Families/Questions-and-Answers-on-the-Individual-Shared-Responsibility-Provision

Resources for undocumented students
Each campus has an undocumented student service coordinator: http://www.ucop.edu/student-affairs/campus-contacts/undocumented-student-service-coordinators/index.html

Immigration Law Clinic at UC Davis School of Law
103 TB 30
Davis, CA 95616
(530) 752 4308

The Undocumented Student Legal Services Center is based at UC Davis and has attorneys to provide legal aid to undocumented students and their families at six other campuses (those that don’t have their own law schools – Merced, San Diego, San Francisco Santa Barbara, Santa Cruz, and Riverside). This program is located at the UC Davis Immigration Law Clinic.

If You Have Questions or Need More Information
For questions about your taxes/tax return: Consult a tax attorney or your accountant.

For more information about the ACA and the individual shared responsibility requirement:
Visit http://www.irs.gov/Affordable-Care-Act/Individuals-and-Families/Individual-Shared-Responsibility-Provision.